Property-backed loan

Unlock up to 90% of your property’s value to fuel your business growth

Leverage your residential or commercial property to access working capital providing your business with the cash flow it needs for daily operations or new investment opportunities.

Applicable For:

Private Residential, Commercial, and Industrial Properties

Interest Rate:

From as low as 1.5% (1 – 2 year fixed)

Repayment Options:

Up to 25 years (Principal + Interest)
Up to 2 years (Interest-only servicing)

Property-backed loan

Unlock up to 85% of your property’s value to fuel your business growth

Leverage your residential or commercial property to access working capital providing your business with the cash flow it needs for daily operations or new investment opportunities.

Applicable For:

Private Residential, Commercial, and Industrial Properties

Interest Rate:

From as low as 3.98% p.a. (2-year fixed)

Repayment Options:

Up to 25 years (Principal + Interest)
Up to 3 years (Interest-only servicing)

Access competitive property-backed financing with our network of lenders

How Much Can I Cash Out?

The cash-out amount is determined by three primary factors: the Loan-to-Valuation (LTV) ratio, the outstanding home loan balance, and the total CPF funds utilised.

Applicants are also subject to regulatory requirements, including the Total Debt Servicing Ratio (TDSR) framework. In addition, businesses must demonstrate sufficient financial capacity to service future monthly repayment obligations.

Estimate

Understanding your monthly repayment is essential to ensure affordability. Use our calculator to estimate your payments and explore the options available to you.

Enter total amount you wish to borrow.
8
1.0%

*This calculator is for demonstration purposes only. Values are rounded up to the nearest dollar.

Principal
145,000 SGD
Interest
6,601 SGD
Total Payable
151,601 SGD
Admin Fee (3%)
(Deducted upfront from loan disbursement)
4,350 SGD
Monthly Repayment
18,951 SGD

Steps

Get Financing in Just 3 Steps

Single application to get offers across various lenders, transparent rates, and dedicated support at every step.

1

Submit Your Application

Provide basic company & financial details

2

Compare Offers

Get matched with lenders offering the most competitive terms

3

Receive Funds

Once approved, funds are disbursed directly into your account

FAQ

Frequently Asked Questions

Valuations can vary across banks and lenders, which typically will use their own empanelled valuers certified under Singapore Institute of Surveyors and Valuers (SISV).

Businesses can generally choose between fixed-rate and floating-rate property loan packages.

  • Fixed-rate packages provide stability, allowing borrowers to enjoy predictable repayments—typically over a 1- to 2-year lock-in period.
  • Floating-rate packages may offer lower initial interest rates but are subject to market fluctuations.

Do note that prepayment or sale of the property during the lock-in period may incur early repayment penalties.

Typically, a property loan application takes 3 – 5 working days to process. Upon approval, drawdown / cash-out disbursement require an additional 3–4 weeks, as legal processes must be completed before funds are released.

Yes. In addition to the interest rate, borrowers should be aware of:

  • Legal, insurance and valuation fees, which may be partially subsidised by some banks.
  • Processing fees, which can vary depending on the lender.
  • Early repayment penalties, typically around 1% to 2%.

A professional broker works with multiple banks and financial institutions, giving you access to a broader range of loan options at competitive rates.

They help you:

  • Compare loan packages across lenders.

  • Understand differences in interest rates, LTV limits, and repayment structures.

  • Navigate documentation and approval requirements efficiently.

This saves time and ensures you secure the most suitable financing solution for your business without having to approach each lender individually.

Not sure where to start? Let us help!

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